Coverage Q&A: Settlement is paid to the insured and the mortgagee in the same order or precedence of the mortgage.

Coverage Q&A: Traditional insurance policies exclude coverage for water that backs up through sewers or drains as well as flooding.

Coverage Q&A: When it comes to insurance claims, this type of loss is neither vandalism nor traditional property damage.

Coverage Q&A: Debris removal coverage is for the extra expense above the policy loss limit.

Coverage Q&A: When a loss happens at a premises owned by or rented to others, there may not be coverage.

Coverage Q&A: The intent of the policy language is to pay only for personal property when the outside of the dwelling has been breached.

Coverage Q&A: The intent of the policy language is to pay only for personal property when the outside of the dwelling has been breached.

Individual state laws may impact what types of exclusions are named in an insured's auto policy.